I Know Why Your Credit is Bad
Why? Because you haven’t made it a priority it’s that simple. The truth of the matter is that if you wanted to have great credit you would. The first oblivious step is to stop spending what you don’t have, use debit versus credit. You need to find a way of disciplining yourself to live within your means. Once you have taken control of your financial life you can get started in cleaning up your credit mess. This does not apply to people that have had medical issues, etc. This is to the people that spend $ 100.00 when they can only spend $ 20.00.
Ok, so let’s get started.
You have two options, you can do the work yourself or you can hire someone.
But before you start you must run your credit- if you have been denied credit it is free if not you must pay a small fee. Once you know the negative items that are on your credit you can start.
Option 1
Create a file folder for all credit bureaus. Attached to the credit reports you have received, there is a “dispute form”, each bureau has its own. Make separate copies of each, 10,20 copies as this is the form that you will use to dispute all incorrect information that appears on your record. Keep a record of all the forms you dispute and mail. Do this every 30-60 day until you start to see items coming off.
Option 2
Hire a company to do this for you. The price may range from $ 79.00 a months to $ 2,500.00, find someone that makes sense. Remember the old saying “if it sounds too good to be true it’s probably not only not true but most likely a scam”.
The bottom line is that people that have great credit are concerned about their credit. You have to focus on having good credit and you will.
Luis Pezzini
Start fixing your credit today
Article Source:
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